Equine Insurance

ONTARIO EQUINE INSURANCE | HORSE INSURANCE AT Tradition MUtual

Horse barn and stable insurance

Home & Horse Stable and Riding Arena Coverage 

Ontario Horse Farm Insurance

Harvested Crop Spoilage Insurance

Horse Trailer Insurance

Farm Auto Insurance & Horse Trailer Insurance

Equestrian farm machinery insurance

Farm Machinery Breakdown 

quarterhorse hackney arabian and pony horse coverage

Equine mortality coverage and medical coverage 

Equine Liability

As an Ontario horse farmer, keeping your farm operating smoothly and safely is of utmost importance. The risk of horse mortality, property damage, major medical treatment, colic surgery, claims due to your care custody and control boarding horses is real risk. A comprehensive building and equine mortality insurance policy is necessary to give a horse farmer peace of mind in case of loss. Tradition Mutual Horse Insurance offers robust coverage and competitive pricing to make sure business interruption (income replacement), harvested crop loss, livestock mortality, major medical risk and a veterinary exam, accidental injury, public suits, machinery breakdown, barn fires/smoke damage doesn't cause financial devastation. 

Kyle is an equine insurance specialist who offers commercial equine and mortality coverage and can customize your equestrian farm insurance policy to ensure you are properly protected. Tradition Mutual Insurance company can provide a complimentary on-site analysis of your stables, riding area, tack room and overall farm operations to determine what is the right coverage limit necessary. Let Kyle take the stress out of your farm insurance by breaking down complicated insurance lingo into something understandable. You have better things to do on your farm than to worry about your insurance- let Kyle Wijnands do that for you! 

Ontario equine Insurance CoveragE:

  • Home and property insurance

  • Riding stable, barn, drive shed, tack room and riding arena insurance

  • Farm machinery

  • Fuel and fuel tanks

  • Farm buildings and shed insurance

  • Equipment breakdown coverage

  • Agriculture Drone Insurance

  • Farm and personal auto Insurance

  • Saddle and riding equipment floaters

  • Horse and hauling vehicle Insurance

  • Horse owners — from one to multiple horses

  • Mortality coverage, treatment and reimbursement. 

  • Breeders — from entire horse properties to specific coverage for individual studs and mares

  • Transporters, including equipment and trailers. United States transport subject to underwriting. 

  • Equine clubs and associations

  • Show-riders/jockeys — special high-risk injury coverage

  • Equine veterinarians 

  • Luxury horse properties

  • Hobby Farms and ranchowner protection.

  • Business interruption Insurance

  • Major medical insurance for death and treatment for an insured horse

  • Farm, home and business liability

  • Theft and vandalism

  • Horse owners carriage and sleigh coverage

  • Equine tack, feed and supply stores

  • Boarding stables, including stableman’s liability insurance

  • Equine events including shows and show jumping — special coverage for organizers

  • Riding schools — coverage for horses, business/property, and riding instructor liability

  • Specialist animals such as those used for leisure and trail riding

  • Racing and competitions — insurance protection for courses, stables and other buildings

  • Legal fees (if being sued)

  • Harvested crops and spoilage caused by breakdown or power interruption

  • Equestrian riding lessons liability 

  • Public event days liability

  • Pollution liability, and more…

about me 

Kyle Wijnands worked in the agriculture sector for nine years before selling farm products at Tradition Mutual Insurance. The experience gained at Luckhart Transport in Sebringville, a horse farm in Mitchell and a dairy operation in Stratford has given Kyle practical and realistic insurance solutions that farmers can relate with.  Not only is he down to earth but also conscious of your need for competitive products, service and rates. Let him tailor a equine insurance package that gives you the peace of mind you need so you can focus on your business.

With Tradition Mutual's insurance for equestrian farms, these boxes will be checked:

Ontario Horse Insurance_Tradition Mutual Insurance
ontario horse farm liability
cheap horse insurance

Deal with Experts

Equestian farm liability

competitive Horse

Farm rates

Coverage in the event that someone is injured on your horse farm.

Frequently asked questions

General Equestrian Questions

What is equestrian farm insurance?


Equestrian farm insurance is designed to ensure that horse farmers are placed into the same financial position they were in prior to a loss to their buildings, property, hroses, produce or implements. These losses result from unexpected perils (i.e. fire, wind, smoke, hail) insured What is horse farm insurance?by the farm insurance policy. This indemnification is something that Tradition Mutual Insurance has specialized in for over 140 years. We were founded by farmers who saw the value in protecting themselves since 1876. Tradition Mutual Insurance offers insurance products that are specially designed to meet equestrian farmer’s needs.

If you would like Kyle Wijnands to assess your farm to determine how our insurance products can meet your needs, give him a call at 519-393-3246.




What type of insurance coverage does an Ontario horse farmer need?


There are various insurance coverages that every Ontario horse farmer should consider when putting an insurance policy in place. If the farmer’s home is on the property, home and personal content coverage is required. Barns, outbuildings and implement sheds should be iWhat type of insurance does a farmer need?nsured as well as tractors and equipment. If applicable, a riding arena, tack room, and horse/pony stables must be factored into the building rebuilds. Fuel tanks and oil tanks should be insured for any type of environmental hazards they may cause. Farm vehicles, horse trailers and personal vehicles should be insured. Horse drawn carriages and sleighs that are used for tours or shows should also be listed under a farm policy. Business interruption insurance is necessary as well should a horse farm suffer a serious insured loss that affects income. It is also important that the farm be insured for liability to cover legal fees and damage to a third party in case of a lawsuit. If the public comes on the premesis for riding lessons, sleigh rides or tours, it is essential that this risk exposure be insured under the liability portion of the policy.




What is farm interruption insurance?


Farm interruption insurance covers you the farmer for loss of income from the business as a result of an insured loss. There are several farm interruption insurance packages a farmer can chose from:

Actual loss sustained- This covers you for your business interruption losses for the actual lost income that you have incurred. This coverage does not cover your gross receipts, but takes those into account and removes variable expenses that you do not occur after a loss.

Earnings & extra expense- This covers you for gross earnings and extra expense as a result of an insured loss. Earnings means net profit plus payroll expense taxes interest rents and all other operating expenses earned by the insured

What is business interruption insurance?

business.

Extra Expense is defined as the excess of the total cost of conducting business activities during the period of restoration over and above the cost of such activities during the same period had no loss occurred including necessary extra expense for repair or replacement of property for the purpose of reducing loss under this insurance.

Extended loss of income- This covers you for loss of profits from your business as a result of an insured loss.

Contingent farm earnings- This covers you for loss of income caused by a loss also at a supplier or purchaser. All suppliers and purchasers in the chain must be identified to be eligible for this specialized coverage.

Please contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com to determine which farm interruption coverage best suites your farming operation.




What is the best horse farm insurance company?


The answer to this question is simple- Tradition Mutual Insurance in Sebringville, Ontario. We service farms all across Ontario. When considering the competitive coverage, rates and what is the best farm insurance company to deal with?customer service you will receive from Kyle Wijnands at Tradition Mutual Insurance the answer is abundantly clear.

Give Kyle a call today at 519-393-3246 and he will work around your schedule to arrange a visit to assess your farm and determine the coverage that best suites your needs.




What qualifies as a hobby farm?


A farm insurance package that qualifies for better insurance rates as a hobby farm/limited farm operations will meet two of the three critWhat qualifies for a hobby farm?eria:

  1. Total insured property will be ten acres or less
  2. Total annual gross income from farming will not be more than $10,000
  3. Total number of farm animals will be less than 6 other than saddle animals.




What is hobby farm insurance for somene who has some horses?


Hobby farm Insurance is designed for rural acreage, homes or outbuildings that have limited income generated from the farm. Hobby farm insurance is not only for the buildings, equipment and horses/livestock but also meant to protect the farm from third party lawsuits. Hobby farm insurance is designed to protect the farmer from claims arising from a third party who sustains bodily injury or property damage. In other words, duty of care is wha t a reasonable hobby farmer would or wouldn’t do under similar circumstances. The determination negligence when a hobby farmer doesn’t perform his or her duty of care is determined by observing the verdicts of past lawsuits and case law. Tradition Mutual Insurance offers a comprehensive liability insurance package designed for hobby farms to ensure that any legal costs or liability costs when deemed legally responsible are covered for you. Give Kyle Wijnands a call at 519-393-3246 to make sure your horse/hobby farm is properly covered.




What does a horse farm policy cover?


What is covered by horse farm insurance?Farm insurance covers dwellings, barns, sheds, farm outbuildings/structures, machinery,

livestock, produce, income lost resulting from an insured claim, pollution liability and equestrian farmer’s general liability.




Where to get farm insurance for my horses?


The answer to this question is simple- Tradition Mutual Insurance in Sebringville. We service farms all across Ontario. When considering the competitive coverage, rates and customer

Where to get Ontario farm insurance? service you will receive from Kyle Wijnands at Tradition Mutual Insurance the answer is clear. Give Kyle a call today at 519-393-3246 and he will work around your schedule to arrange a visit to assess your horse farm and determine the coverage that best suites your needs.




How is Tradition Mutual Insurance is protecting Ontario horse farms?


Tradition has been insuring horse farms in Ontario for over 140 years. There is no other insurance company in Canada that can offer the level of insurance expertise and local knowledge of Protecting Ontario Farmsagribusiness risks that Tradition Mutual Insurance and the Ontario Mutuals can provide. Between accidents and mother nature, managing your risk with the right coverage makes all the difference - the mutual difference. It’s simple- when you have a claim, Tradition Mutual Insurance will be there. Don’t let our small size fool you. Together, we represent one of the strongest, most secure financial networks in the world. The spirit of mutual insurance is woven into the fabric of every community. Contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com today to ensure that Tradition Mutual Insurance can protect your farm as well!




What farming counties in Ontario does Tradition Mutual Insurance provide insurance?


Ontario farm insurance near me

Tradition Mutual Insurance is proud to service farmers in Bruce County, Dufferin County, Durham County, Elgin county, Essex county, Frontenac County, Grey County, Haliburton County, Halton County, Hastings County, Huron County, Lambton County, Lanark County, Leeds and Grenville Counties, Lennox and Addington Counties, Middlesex County, Muskoka County, the Niagara region, Northumberland County, Oxford County, the municipality of Peel, Perth County, Peterborough County, Renfrew County, Simcoe County, the Municipality of Waterloo, Wellington County and the Municipality of York. Kyle would be happy to visit you at your Ontario farm to determine how Tradition can service your farm insurance policy as well.




How do I get insurance for my farm house heated with oil?


Tradition Mutual Insurance is aware that it can be difficult to insure a home heated with oil. We do insure these risk but have some requirements to make sure the risk of a significant environmental claim doesn’t take place. To get insurance, Tradition Mutual Insurance requires that:

  • An OBT (Oil Burner Technician) inspection that is less than 12 months be obtained for review.
  • Oil lines should not pass through concrete floors.Ontario home insurance, oil heating There have been NO prior oil claims or losses on the premises.
  • Indoor oil tank be under 20 years of age.
  • Indoor oil tank NOT be underground.
  • Indoor oil tank be only be constructed of 12-gauge steel. NOT singled walled 14 or 16-gauge steel.
  • Indoor oil tank should not be located anywhere besides the lowest level of the dwelling.
  • Outdoor oil tank should be newer than 15 years of age.
  • Outdoor oil tank should have proper protection/shields from ice snow and vehicle.
  • Outdoor oil tank should be of 12-gauge steel. NOT singled walled 14 or 16-gauge steel.

Please contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com should you have any further questions about insurance coverage on your oil-heated home.




What is farmer's accident insurance on a horse farm?


Farmers accident insurance covers a farmer for accidental death or dismemberment along with replacement worker expenses. This coverage is available for designated persons shown on the insurance policy. Owner accident insurance provides two coverages:What is farmer's accident insurance?

  • Accidental Death and Dismemberment – this is a standard form of coverage to most accident insurance policies. The wording includes a chart of benefits for which the policy will respond to the various types of accidents. One can chose limits of $25,000 or $50,000 for this coverage.
  • Replacement Labour Expenses – this covers expenses incurred to hire replacement labour as a result of the named insured on the accident policy being injured in an accident and unable to perform his/her duties. One can chose limits of $4,000 or $8,000 for this coverage.

Employee coverage includes accidental death and dismemberment coverage. Replacement worker coverage is a standard form of coverage to most accident insurance policies. The wording at Tradition Mutual Insurance includes a chart of benefits for which the policy will respond to the various types of accidents. (“Meat Chart”) One can chose limits of $25,000 or $50,000 for this coverage. This is intended to provide the farmer with a limited benefits package for his/her employees. It does not cover the wages of the individual since workers compensation is available. Care must be taken to provide this to employees that are employed mainly in farming and not in other more hazardous occupations.




What doesn’t farm insurance cover?


Depending on the farm package you chose, there are a variety of things that may be excluded from a farm policy. For example, a common exclusion in a farm insurance policy is war, invasion, terrorism, or a loss caused by any nuclear or radioactive material. It is common for farm insurance policies to also exclude damage to fences unless the policy particular notes coverage for such. Likewise, wear, tear and gradual deterioration is a common exclusion as well as any voluntary parting with the title or ownership of property. Each farm package is unique depending on what was purchased. To discuss what’s covered and not covered under your farm insurance policy, please reach out to Kyle Wijnands at 519-393-3246 to discuss.




How many months of farm interruption coverage can I purchase for my horse farm?


There are three package options for farm interruption coverage to choose from at Tradition Mutual Insurance: 12 months, 18 months and 24 months. Due to the demand of builders in Ontario and the extended period of time it can take to rebuild a barn following a serious loss, many farmers are electing to move from the 12 month business interruption package to 18 or 24months.

Please contact Kyle Wijnands at

519-393-3246 or kwijnands@traditionmutual.com should you have any questions about this important farm coverage.




What is replacement cost on my farm building and horse stables mean?


Replacement cost is an insurance term for the basis of settlement of a claim. Replacement cost means the cost of replacing, repairing, constructing or reconstructing (whichever is the least) the property on the same site with new property of like kind and quality and for like occupancy without deduction for depreciation. This replacement includes repair, What is replacement cost mean?construction or reconstruction with new property of like kind and quality. In the case of a farm policy, where the policy statest that replacement cost applies this endorsement amends the basis of settlement clause with respect to those items. The insurer typically agrees to amend the basis of settlement from actual cash value to replacement cost provided that all policy conditions, exclusions and provisions are adhered to. To determine whether your dairy buildings are eligible for this coverage, please give Kyle Wijnands a call at 519-393-3246 today.




What insurance is available for my solar panels?


Solar energy equipment insurance is a specialized insurance product designed to protect the horse farmer at a designated location(s) specified on the insurance policy. Solar panel insurance covers solar energy equipment including all owned panels, mounting equipment and What is solar panel insurance?photovoltaic cells that form part of a solar energy installation. In the event that any of the property insured be lost or damaged by the perils insured against, the insurance company will cover the insured against the direct loss so caused to an amount not exceeding whichever is the least of the actual cash value of the property at the time of loss or damage, the interest of the Insured in the property or the amount of insurance specified on the policy. This coverage is subject to policy exclusions, deductibles, co-insurance clauses and conditions. Call 519-393-3246 to discuss with Kyle how you can get your solar panels insured with Tradition Mutual Insurance today.




What is solar panel insurance?


Solar panel insurance is a specialized insurance coverage designed to protect the insured at a designated location(s) specified on the insurance policy. Solar panel insurance covers solar energy equipment including all owned panels, mounting equipment and Farm solar panel insurancephotovoltaic cells that form part of a solar energy installation. In the event that any of the property insured be lost or damaged by the perils insured against, the insurance company will cover the insured against the direct loss so caused to an amount not exceeding whichever is the least of the actual cash value of the property at the time of loss or damage, the interest of the Insured in the property or the amount of insurance specified on the policy. This coverage is subject to policy exclusions, deductibles, co-insurance clauses and conditions. Call 519-393-3246 to discuss with Kyle how you can get your solar panels insured with Tradition Mutual Insurance today.




Will one policy cover my home and farm?


Will my home and farm insurance be under one policy? Yes. Typically insurance companies will write one policy to cover both your home and your farm. There are a few things that will differentiate the coverage between two however. The difference will come down to personal or farm use. For example, a drive shed that is only used for personal/hobby use will fall under separate coverage/rate than a farm building that is used only for commercial/farm use. In the same way, a tractor that is used for farming will be rated/charged differently than a $15,000 zero-turn mower that is used to cut 3 acres of personal lawn. Contact Kyle Wijnands at Tradition Mutual Insurance to get an insruance quote on your farm and home insurance today- 519-393-3246.




What factors are considered for a farm insurance policy?


Like most insurance products, there are specific metrics and variables that are factored into a farm insurance policy. The territory in which you farm will determine the actuarial statistics that determine the amount of wind claims, hail damage, water or fire losses that

What factors are considered for a farm insurance policy?

typically affect a certain postal code in Ontario. The years of experience a farmer has bearing on the rate an insurance company uses to determine the cost of insurance as well. Other factors such as loss history, past insurance experience, deductible amounts, coverage limits, property condition, age of buildings, upkeep of property, number of acres owned, gross receipts, number of staff, amount of quota and a variety of other factors can influence the cost of a farm insurance policy.

To get a free, no-obligation quote to determine the cost of your farm insurance, give Kyle Wijnands at Tradition Mutual Insurance a call at 519-393-3246 today.




How do I insure my hobby farm and my horses?


To insure your hobby farm is simple. Make sure you have the following details ready when you call up an insurance company for a quote. What is your acreage? How many horses/ponies do you own? What is your income generated from your hobby farm? What farm buildings do you need insured? What annimals how do I insure my hobby farm?do you need insured (if any)? Does the public come on your property to purchase farm produce from you? If so, how many people woudl come on your property in an average week during the harvest season? Hobby farm insurance at Tradition Mutual Insurance is designed to protect you the farmer from claims arising from bodily injury or property damage to someone who comes on your hobby farm. Give Kyle Wijnands a call at 519-393-3246 to make sure your Ontario hobby farm is properly covered today.





Equestrian Liability Questions

What is liability insurance for a horse farm?


Farm liability is the duty of care a horse farmer has to a third party who sustains bodily injury or property damage under the Ontario Occupier’s Liability Act. This can happen when riding a horse or by simply feeding an animal. A farmer’s duty of care also extends to the environment under the Ontario Environmental Protection Act. In other words, duty of care is what a reasonable farmer would or wouldn’t do under similar circumstances. What is farm liability insurance? The determination negligence when a farmer doesn’t perform his or her duty of care is determined by observing the verdicts of past lawsuits and case law. Tradition Mutual Insurance offers a comprehensive liability insurance package designed for farm liability risks to ensure that any legal costs or liability costs when deemed legally responsible are covered for you. Give Kyle Wijnands a call at 519-393-3246 to make sure your farm is properly covered.




What does farmers liability insurance cover?


General Liability coverage provides insurance for bodily injury and property damage sustained by a third party. This coverage could include medical payments for an injured person or persons even if the farmer accidentally caused the incident or even if he or she isn’t legally responsible. Liability coverage falls under three primary categories:

  • Public Liability: This provides protection for an insured for claims arising out of unintentional bodily injury of another person or loss or damage to the property of others as a result of the insured’s negligent activities arising from personal pursuits of the What does farmers liability insurance cover? insured or the insured’s farming operations.
  • Tenant’s legal liability: This provides protection for property damage to residence premises, or their contents, which the insured is using or renting.
  • Voluntary medical payments or property damage: This provides financial assistance for reasonable medical expenses if an insured unintentionally injures another person or if someone is accidentally injured on the insured premises or for unintentional direct damage the insured causes to property even though they are not legally liable. This coverage is subject to the terms and conditions of the policy wordings.

Farm liability insurance is designed to cover a farmer’s legal defense costs and liability for personal action/inaction deemed as negligent anywhere in the world not just on the farm premises. Premises liability provides coverage legal liability arising from use, ownership and occupancy of the farm or dwelling. All farming operations that have been presented to Tradition Mutual Insurance would also be covered under the policy.

Optional liability coverage could include:

-additional farm locations

-apiary/bee hive liability

- butchering liability

- custom spraying liability (excluding anhydrous ammonia pollution)

- pick your own ground/non ground produce liability

- public fishing on the farm liability

- horse boarding liability

- hay or sleigh rides liability

- machine tile laying liability

- liability for showing of animals at public events such as fairs or 4H

- liability for storage of vehicles/non-owned vehicles on the farm premises

- liability for showing of products at a farm show/plowing match

- private airstrip on the farm property liability

- on site machine and welding shop liability

- snow plowing and blowing liability (not on public roads)

-Wedding/special event liability

- agri-tourism liability for farm related tours

Please contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com should you have any questions about farm liability or the many farm liability extensions you can purchase as part of your insurance package.




What are liability extensions are offered for my horse farm?


Farm liability insurance is designed to cover a farmer’s legal defense costs and liability for personal action/inaction deemed as negligent anywhere in the world not just on the farm

premises. Premises liability provides coverage legal liability arising from use, ownership and occupancy of the farm or dwelling. All farming operations that have been presented to Tradition Mutual Insurance would also be covered under a typical farm risk can be added to the policy. Some of the optional liability coverages could include:

-additional farm locations

-apiary/bee hive liability

- butchering liability

- custom spraying liability (excluding anhydrous ammonia pollution)

- pick your own ground/non ground produce liability

- public fishing on the farm liability

- horse boarding liability

- hay or sleigh rides liability

- machine tile laying liability

- liability for showing of animals at public events such as fairs or 4H

- liability for storage of vehicles/non-owned vehicles on the farm premises

- liability for showing of products at a farm show/plowing match

- private airstrip on the farm property liability

- on site machine and welding shop liability

- snow plowing and blowing liability (not on public roads)

-Wedding/special event liability

- agri-tourism liability for farm related tours

Please contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com should you have any questions about farm liability or the many farm liability extensions you can purchase as part of your insurance package.




What is a liability aggregate limit?


what is a farm liability aggregate limit?The aggregate limit is the maximum amount that an insurance policy will pay for third party bodily injuries or property damages occurring during the policy term regardless of the number of occurrences. Please keep in mind that some farm policies may not have a general farm liability aggregate limit. Please discuss with Kyle Wijnands at 519-393-3246 for more information about your farm liability aggregate limit.




What is farmer’s pollution liability?


Farmer’s pollution liability protects the farmer who qualifies against liability arising from sudden and accidental pollution incidents that cause bodily injury property damage and clean-up costs, subject to the terms and conditions of the policy wording. The limits available at Tradition Mutual Insurance follow the limits provided under Farm Liability with

What is farmer’s pollution liability?

a minimum of $500,000 per incident/$1,000,000 aggregate or maximum of $2,000,000 per incident/$3,000,000 aggregate. It should be noted that farmers who derive more than 50% of their income from custom farming or hold a custom applicator’s license to spray do not qualify for this coverage.

Please contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com should you have any further questions regarding farmer’s pollution liability.




What is umbrella liability for my horse farm?


What is horse farm umbrella liability?Farm umbrella liability covers the horse farmer for personal and farm liability limits over and above the underlying limits of corresponding property and automobile policies.




What liability limit should I have under my equestrian insurance policy?


IWhat liability limit should I have under my farm insurance policy?t is recommended that a farmer have a minimum limit $2,000,000 third party liability insurance policy with an aggregate limit of $3,000,000. Depending on the farm activities and farm’s gross receipts, it is recommended that these limits be increased to offset the risk accordingly. Please reach out to Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com to make sure you are property covered.




How do I know I have enough liability insurance for my horse farm?


It is recommended that a equestrian farmer have a minimum limit $2,000,000 third party liability insurance policy with an aggregate limit of $3,000,000. Depending on the farm activities and farm’s gross receipts, it is recommended that these limits be increased to offset the risk accordingly. To discuss whether this is enough liability insurance for your particular farming exposures, please reach out to Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com and he will ensure you are properly covered.





Payment & Deductible Questions

How does the deductible change the price of my equestrian insurance?


How does the deductible work for farm insurance? Your deductible is the amount you agree to pay out of pocket in the event of a farm insurance claim. The higher the deductible on your farm buildings or horses the lower the price you will pay a year for insurance. Let’s say you have an claim and the total coverage under the policy is $600,000 replacement cost coverage for your horse barn. Suppose you chose a $2,500 deductible on your barn. Should you have a partial loss of $100,000 from a fire to the barn, you would need to pay the first $2,500 worth of expenses and the Tradition Mutual Insurance policy would cover the remaining $97,500. In summary: Choosing a higher deductible will lower your insurance premium. However, be prepared to pay for any costs up to that deductible amount when you need to make a claim.




How much does horse farm insurance cost?


Like most insurance products, there are specific metrics and variables that can affect the price of your equestrian insurance. The territory in which you farm will determine the actuarial statistics that determine the amount of wind claims, hail damage, water or fire losses that

typically affect a certain postal code in Ontario. The years of experience a farmer has bearing on the rate an insurance company uses to determine the cost of insurance as well. For example, a farmer who teaches horse riding lessons for one year will be charged a higher liability rate than one who has been doing it for over ten. Other factors such as loss history, past insurance experience, deductible amounts, coverage limits, property condition, age of buildings, upkeep of property, number of acres owned, gross receipts, number of staff, amount of quota and a variety of other factors can influence the cost of an equestrian farm insurance policy.

To get a free, no-obligation quote to determine the cost of your farm insurance, give Kyle Wijnands at Tradition Mutual Insurance a call at 519-393-3246 today.




What are my farm insurance payment options?


At Tradition Mutual Insurance, we offer our farm clients the following payment options for their convenience:

Annual Payment- Payment of your annual premium in full may be made by any one of the following methods without a service charge:

What are my insurance payment options?
  • Cash (in person)
  • Debit (in person)
  • Cheque
  • Credit Card (by telephone or in person)
  • Pay through your financial institution (at your branch or online)

Quarterly Payment

Your premium can also be divided into 4 equal installments and may be paid by the following methods:

  • 4 Post-Dated Cheques – no service fee
  • Quarterly Pre-Authorized payment from your bank account – no service fee
  • Quarterly charge to your credit card – subject to a service fee of 3% of your premium for property policies and 1.8% for auto policies
  • Pay through your financial institution (at your branch or online)

Monthly Payment

Your premium can also be divided into 12 monthly installments and may be paid by the following methods:

  • Monthly Pre-Authorized payment from your bank account – no service fee
  • Monthly charge to your credit card – subject to a service fee of 3% of your premium for property policies and 1.8% for auto policies

Fees

NSF Fee - $25.00

Reinstatement Fee - $50.00




How much does equestrian liability insurance cost?


A farm underwriter uses specific metrics and variables to determine the price of your horse farm liability insurance. The years of experience a equestrian farmer has a key part in the liability rate used on a farm. Other factors such as liability loss history, limits, past insuranceHow much does horse farm liability cost? experience, deductible amounts, number of acres, number a horses, whethere there is custom crop spraying, gross receipts, number of staff and a variety of other factors can influence the cost of a farm liability insurance policy.

To get a free, no-obligation quote to determine the cost of your farm liability insurance, give Kyle Wijnands at Tradition Mutual Insurance a call at 519-393-3246 today.




How much does tractor insurance cost?


There are specific metrics and variables that can affect the price of your tractor insurance. The value of the tractor, your postal code, your past claims, years of experience as a farmer loss history, past insurance experience, deductible amounts, coverage limits and tractor use will all factor the physical damage and liability limits for your tractor premium.

How much is tractor insurance?

To get a free, no-obligation quote to determine the cost of your tractor insurance, give Kyle Wijnands at Tradition Mutual Insurance a call at 519-393-3246 today.




How do I get cheap horse farm insurance?


It is important to balance price of equestrian insurance with the proper insurance coverage and a high level of customer service. If your farm insurance broker or agent doesn't show attention to detail setting up your farm coverage or ask the proper questions at your renewal, you may have saved some money but in the event of a loss you may not be covered properly and have to pay unwanted expenses out of pocket. The good news is, Tradition Mutual Insurance offers all three things you need when setting up a competitve farm insurance policy: Competitve coverage, service and price.

Where to get cheap horse farm insurance

1) Tradition Mutual Insurance offers coverage and comprehensive insurance products/ wordings that are very competitive in the Ontario insurance industry.

2.) Tradition is proud of offering customer service and knowledge that is personal and thorough. Kyle Wijnands is Tradition agent who has experience working and living in rural Ontario and knows what you as the equestrian farmer need and will ensure you are properly covered.

3.) Last but not least, Tradition's rates for farm insurance are very competitiev and affordable compared to the many other large insurance players in the industry.

Where do I find cheap horse farm insurance?

To get a free, no-obligation quote to determine the cost of your farm insurance, give Kyle Wijnands at Tradition Mutual Insurance a call at 519-393-3246 today.





Farm Equipment Questions

What does farm machinery and equipment cover?


Farm machinery is covered under a farm equipment floater. This floater can cover scheduled items such as tractors, combines, field equipment, generators. For blanket items, a complete list is required on an annual basis. This coverage includes 48 months of waiver of depreciation coverage if the tractor or equipment was purchased new.




What insurance is available if my farm machinery breaks down?


what is farm machinery breakdown insurance? Insurance coverage for machinery that breaks down is called "loss of use farm machinery coverage." If the farmer has chosen this coverage under the policy, the insurance company will pay for the necessary extra expenses which the farmer incurs for the rental of substitute farm machinery and equipment to continue normal farming operations which are interrupted because of loss or damage to farm machinery and equipment owned by the farmer, insured under the policy and affected by perils insured. To review the spcial limits, conditions, and exclusions of this coverage, please give Kyle Wijnands at Tradition Mutual Insurance to cover you for farm machinery breakdown today.




What is machinery breakdown insurance?


Machinery breakdown insurance is a farm coverage designed to pay for Farm tractor and machinery breakdown insurance the necessary extra expenses which the farmer incurs for the rental of substitute farm machinery and equipment to continue normal farming operations which are interrupted because of loss or damage to farm machinery and equipment owned by the farmer, insured under the policy and affected by perils insured. To review the spcial limits, conditions, and exclusions of this coverage, please give Kyle Wijnands at Tradition Mutual Insurance to cover you for farm machinery breakdown today. 519-393-3246




Do I need to insure my tractor?


A farmer is not required to insure a tractor for physical damage if they own the tractor Am I required to insure my tractor?outright. If there is financing on the tractor however, the financing company providing the loan may require proof of machinery insurance to ensure the financial interest in their part of the equipment is secured. Should you need proof of insurance on your tractor to give to a financing company, call Kyle Wijnands today to set up the necessary coverage. 519-393-3246.





Livestock Questions

Can you get insurance on horses?


Yes- coverage is available through Tradition Mutual Insurance for your horses. Should you choose our superior livestock protection coverage, the following perils would be available under your equestrian insurance policy when death results.

-Fire

-Smoke

-Lightning

-Explosion

-Windstorm

-Hail

-Riot

-Earthquake

-Flood (subject to policy conditions)

-Collision, stranding, sinking, stranding, derailment or overturn of a vehicle transporting the animal

-Impact by aircraft or land vehicle

-Theft

-Accidental shooting

-Drowning

-Electrocution

-Attack by wild animals or non-owned dogs - (payment in excess of government compensation)

-Blizzard, snowstorm, sleet storm or rainstorm

-Vandalism or malicious acts

-Power Interruption

-Electrical or mechanical breakdown of the heating or ventilation system of building in which livestock is confined

-Huddling, Piling, Smothering, freezing, or stampeding (subject to policy conditions)

-Entrapment (subject to policy conditions)

-Fumes

-Accidental strangulation (subject to policy conditions)

-Hardware – Subject to autopsy to confirm this condition.

-Frothy Bloat- When the cause of death is a direct result of the ingestion of feed

-Physical injury (subject to policy conditions)

-Rabies – (payment in excess of government compensation)

-Animal birth (subject to policy conditions)

These coverages are subject to policy indemnity agreements, limits, excluded perils, wordings, exclusions, policy deductibles and co-insurance clauses. Please note that coverages and perils highlighted on this website are subject to change at any time. These perils listed are for informative purposes only. Please contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com or your Tradition Mutual Insurance farm insurance wordings for applicable coverages in your particular situation.




What is horse mortality insurance?


Horse livestock insurance is important coverage that protects the equestrian farmer from perils that would cause unexpected death to his or her horses. Whether on the farm, ranch, hobby Horse mortality insurance farm or in transit, your animals are your personal property and you must ensure they arecovered by perils such as entrapment, frothy bloat, rabies, fire, smoke, malicious acts, or attack by a wild animal. To find out how you can be propery insured as an Ontario equestrian farmer, please contact Kyle Wijnands at 519-393-3246 or kwijnands@traditionmutual.com





Kyle Wijnands BA MA

Insurance Agent

264 Huron Road, Box 10 Sebringville, ON

N0K1X0

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